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Motorcycle Insurance in Ontario
Whether you're cruising through the countryside or navigating city streets, Ontario has no shortage of great routes to explore. But no matter where your ride takes you, you’ll want motorcycle insurance that meets your needs, to help you stay protected every moment you're on the road.
Are you looking for motorcycle insurance coverage in Ontario?
Ride through the forested curves of Haliburton's roads, take in Lake Superior's stunning views, or explore one of the many other breathtaking routes in the province: From quick escapes to long scenic rides, Ontario has something for every rider.
Whether you're planning a short trip or out for a multi-day excursion, we're here to help you get the motorcycle insurance coverage that meets your needs.
What type of motorcycle insurance do you need in Ontario?
While the minimum standard for motorcycle insurance and mandatory coverage varies by province, these coverages may include:
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Personal Liability: If you injure someone or damage property, payments are made on your behalf.
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Uninsured and Unidentified Automobile Coverage: Medical costs and damage are covered if an uninsured rider is at fault.
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Accident Benefits: Regardless of who is at fault, medical and other expenses you are entitled to receive are covered.
Are there options available for enhanced motorcycle insurance in Ontario?
- Collision or Upset Coverage: Damage to your motorcycle caused by a traffic collision with another vehicle or object.
- Comprehensive Coverage: All other insured damage caused to your motorcycle (except collision or upset).
- All Perils Coverage: The broadest level of coverage - combines Collision or Upset and Comprehensive coverage along with increased theft protection.
- Specified Perils Coverage: Protects your motorcycle from certain risk such as losses caused by fire, floods, hail or theft.
- Accident Forgiveness: Your vehicle insurance rates won’t go up at renewal as a result of your first at-fault or partially at-fault accident. *
- Five Year Replacement Cost: Get the replacement value of your motorcycle, if it is lost due to theft or extreme damage, without depreciation.
Ways to save on motorcycle insurance rates
Check out our motorcycle insurance discounts
Learn more about motorcycle insurance coverage
Start saving on your motorcycle insurance today
Frequently asked questions about motorcycle insurance
Generally, you'll have theft protection if you have Specified Perils, Comprehensive, or All Perils coverage on your policy. This means you'd need to purchase one of these types of optional coverages for your motorcycle to be financially protected against theft.
Yes, motorcycle insurance is mandatory in Ontario.
Motorcycle insurance rates in Ontario vary depending on different factors, including the make and model of your motorcycle, your driving record, and how you use your bike. Your premium may also be affected by your coverage options (for example, if you purchase optional coverage beyond the mandatory minimum) and the amount of your deductible. And if you're a TD Insurance customer, you may be eligible for our Ride-and-Drive® discount and/or our Multi-Line discount.
Bundling your motorcycle and car insurance with the same insurance provider is often one of the easiest ways to save on your overall insurance. For example, if you're a TD Insurance customer, you may be eligible for our Ride-and-Drive® discount.
While some insurers might offer seasonal motorcycle coverage, year-round coverage tends to be the more common choice for many riders. With year-round coverage, your bike is protected even when it's not typically on the road, so your coverage still applies if, for example, you want to take a ride on an unseasonably warm January day. Plus, you won't need to worry about things like possible gaps in coverage or having to reapply for coverage every spring.
The cost of motorcycle insurance in Ontario is based on a number of factors, such as the type of bike you ride, where you live, and your riding history. A rider with an M2 licence will typically have less riding experience, so their premiums generally tend to be higher than someone with an M licence. To get a more accurate idea of the cost, get a quote today.
Your motorcycle insurance premium isn't based solely on where you live—your rate also depends on factors like your bike's make and model, your driving record, and how you use your motorcycle. So, while location is one of the factors affecting your premium, any changes in the cost of your insurance will depend on your overall risk profile.
Yes, you can get a motorcycle insurance quote online from TD Insurance. It's a quick and easy way to get the coverage you need.
† Please note your premiums may go up due to other factors
Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6